Call reports 2014
NEEDHAM BANK — 2014
What NEEDHAM BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,397,389,000 | 1,484,618,000 | 1,584,814,000 | 1,670,517,000 |
| Total loans | 1,158,150,000 | 1,244,828,000 | 1,326,699,000 | 1,405,946,000 |
| Allowance for loan losses | 10,839,000 | 10,752,000 | 10,912,000 | 11,764,000 |
| Securities available for sale | 176,017,000 | 178,462,000 | 177,305,000 | 183,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 969,977,000 | 1,028,635,000 | 1,094,186,000 | 1,180,228,000 |
| Interest-bearing deposits | 913,856,000 | 965,806,000 | 1,026,739,000 | 1,106,998,000 |
| Noninterest-bearing deposits | 56,121,000 | 62,829,000 | 67,447,000 | 73,230,000 |
| Equity capital | 221,749,000 | 224,957,000 | 227,686,000 | 229,718,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 13,797,000 | 28,488,000 | 44,185,000 | 60,621,000 |
| Interest expense | 1,815,000 | 3,734,000 | 5,804,000 | 8,153,000 |
| Net interest income | 11,982,000 | 24,754,000 | 38,381,000 | 52,468,000 |
| Noninterest income | 399,000 | 542,000 | 844,000 | 1,368,000 |
| Noninterest expense | 8,600,000 | 16,825,000 | 25,419,000 | 35,223,000 |
| Provision for loan losses | 0 | 0 | 175,000 | 1,010,000 |
| Pretax income | 3,713,000 | 8,474,000 | 13,647,000 | 17,621,000 |
| Income tax | 1,420,000 | 3,292,000 | 5,334,000 | 7,098,000 |
| Net income | 2,293,000 | 5,182,000 | 8,313,000 | 10,523,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 218,687,000 | 222,733,000 | 225,615,000 | 227,699,000 |
| Total capital | 229,526,000 | 233,485,000 | 236,527,000 | 239,463,000 |
| Risk-weighted assets | 977,105,000 | 1,047,366,000 | 1,054,847,000 | 1,115,781,000 |
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